USMarket Growth GICs
Earn up to {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} with a TD Canadian Banking & Utilities GIC1
Capitalize on the growth potential of the world’s leading stock markets without risking your principal investment.
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About Market Growth GICs
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What TD Offers
What are Market Growth GICs?
Market Growth GICs capitalize on the growth potential of the world's leading stock markets without risking your principal investment. Like traditional GICs, they offer you the peace of mind of 100% principal protection, while taking advantage of the higher return potential of the stock market and a guaranteed minimum interest return.
GIC Rates
Benefits of Market Growth GICs
100% guaranteed principal
Get the potential for higher returns with no risk to your principal no matter which way the markets move.
Higher potential return
You could earn a guaranteed minimum interest return and a maximum return of up to {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}2 on a five-year term.
No fees
You pay no fees whatsoever to invest in a Market Growth GIC.
Flexibility
Choose a three- or five-year term available for all TD Market Growth GICs.
Low minimum investment
Invest as little as $500 for Registered (RSP, RESP, RIF) or $1,000 for Non-Registered and Registered TFSA.
TD Canadian Banking & Utilities GIC
Return linked to Index:
- S&P/TSX Bank Index (50% weighting)
- S&P/TSX Capped Utilities Index (50% weighting)
TD Canadian Banking & Utilities GIC
Investment Minimum |
$1,000
|
Cashability |
Not cashable
|
CDIC Eligible |
Yes
|
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity.
|
Investment Minimum |
$500
|
Cashability |
Not cashable unless for RESP/RIF payments
|
CDIC Eligible |
Yes
|
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity.
|
|
Non-registered and TFSA
|
RSP, RIF and RESP
|
|
|---|---|---|
Investment Minimum |
$1,000 |
$500 |
Cashability |
Not cashable |
Not cashable unless for RESP/RIF payments |
CDIC Eligible |
Yes |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
TD Canadian Banks GIC
Return linked to Index:
TD Canadian Banks GIC
Investment Minimum |
$1,000
|
Cashability |
Not cashable
|
CDIC Eligible |
Yes
|
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity.
|
Investment Minimum |
$500
|
Cashability |
Not cashable unless for RESP, RIF payments
|
CDIC Eligible |
Yes
|
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity.
|
|
Non-registered and TFSA
|
RSP, RIF, RESP
|
|
|---|---|---|
Investment Minimum |
$1,000 |
$500 |
Cashability |
Not cashable |
Not cashable unless for RESP, RIF payments |
CDIC Eligible |
Yes |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
TD U.S. Top 500 GIC
Return linked to Index:
TD U.S. Top 500 GIC
Investment Minimum |
$1,000
|
Cashability |
Not cashable
|
CDIC Eligible |
Yes
|
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity.
|
Investment Minimum |
$500
|
Cashability |
Not cashable unless for RESP, RIF payments
|
CDIC Eligible |
Yes
|
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity.
|
|
Non-registered and TFSA
|
RSP, RIF, RESP
|
|
|---|---|---|
Investment Minimum |
$1,000 |
$500 |
Cashability |
Not cashable |
Not cashable unless for RESP, RIF payments |
CDIC Eligible |
Yes |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
This index is comprised of the stocks of various Canadian financial institutions.
These indices are comprised of the stocks of various Canadian financial institutions and Canadian utility companies
This index is comprised of the stocks of the 60 largest companies listed on the TSX (as measured by market cap).
This index is comprised of 500 stocks chosen for market size, liquidity and industry grouping – designed to be a leading indicator of U.S. equities
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Laddering Maturities
Understand how to develop a laddering maturities plan and the benefits it can have on your investing strategy.
Before applying for a GIC online
- Decide what account type you'd like to hold your GIC in – You can hold your GIC in a non-registered, registered or U.S. dollar account.
- Select type of GIC – Select from Special Offer, Market Growth, Cashable GICs and more. Not sure what's right for you? See the types of GICs we offer.
- Have funds in your account ready to go – You'll want to make sure your account has sufficient funds to purchase the GIC before you begin your application.
Ways to Apply
Apply online
If you have an account with TD Canada Trust, you can apply now.
Book an appointment
Meet with a banking specialist in person at the branch closest to you.
Call us
Our banking specialists are ready to answer any questions you may have.
1-888-568-0951 1-888-568-0951
Deposit Insurance
Your deposits may be insurable by the Canada Deposit Insurance Corporation.
For further details on how the interest return is calculated, please refer to the TD Canada Trust Market Growth GICs Disclosure Statement.
1 Return linked to market index performance. Maximum return of {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} is over the entire 3-year term.
2 Applies to TD Canadian Banking & Utilities GIC. Subject to change.
1 Actual return is 0.0044% per annum, compounded annually, payable at maturity (equivalent to 0.01% total return)
2 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
3 Actual return is 0.0030% per annum, compounded annually, payable at maturity (equivalent to 0.01% total return)
1 Actual return is 0.3333% per annum, compounded annually, payable at maturity (equivalent to {{a.gicrates|jsonFilter:'productId':'706'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} total return)
2 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
3 Actual return is 0.3979% per annum, compounded annually, payable at maturity (equivalent to {{a.gicrates|jsonFilter:'productId':'715'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} total return)
1 Actual return is 0.6633% per annum, compounded annually, payable at maturity (equivalent to {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} total return)
2 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
3 Actual return is 0.7885% per annum, compounded annually, payable at maturity (equivalent to {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} total return)
1 Actual return is 0.0510% per annum, compounded annually, payable at maturity (equivalent to {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} total return)
2 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
3 Actual return is 0.2003% per annum, compounded annually, payable at maturity (equivalent to {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} total return)
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